Saab 9-5 Insurance Rates

U.S. average insurance rates for a Saab 9-5 are $1,004 a year for full coverage insurance. Comprehensive insurance costs approximately $172, collision insurance costs $232, and liability coverage is $442. Liability-only coverage costs around $496 a year, and high-risk coverage costs $2,158 or more. Teens pay the highest rates at up to $4,012 a year.

Average premium for full coverage: $1,004

Price estimates by individual coverage:

Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for all 9-5 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations have lower incidents of physical damage claims than cities with more traffic congestion. The example below illustrates how your location can change auto insurance prices.

The ranges above illustrate why everyone should compare rates quotes using their specific location, rather than using averaged prices.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below illustrates average Saab 9-5 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $609
• Raising to $1,000 deductibles will save $92 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,004
• Selecting pricier low deductibles will cost an additional $174 each year
• Unlucky drivers with serious driving violations could pay around $2,158
• The price that insures a teenage driver for full coverage can cost $4,012

View Chart as Image

Auto insurance prices for a Saab 9-5 are also quite variable based on the model of your 9-5, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,200 to $1,700 in extra premium each year, depending on your age. Saab 9-5 insurance for high-risk drivers is expensive and can cost around 42% to 133% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,000 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,000 a year. View Rates by Age

The state you live in also has a big influence on Saab 9-5 insurance rates. A middle-age driver might find prices as low as $660 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,360 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $270 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

How to Find the Right Saab 9-5 Insurance

Getting lower rates on auto insurance consists of being a safe and courteous driver, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Compare rates at least once a year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

Below is a quick rundown of the primary concepts that were illustrated above.

• It is possible to save around $110 per year just by quoting online well ahead of the renewal date
• Drivers with reckless driving or DUI convictions could be charged and average of $1,150 more per year for auto insurance
• Increasing physical damage deductibles can save approximately $275 each year
• Teenage drivers have the highest car insurance prices, as much as $334 a month if the policy includes full coverage